I would bet it would be more likely related to '1'. I know insurance rates went down across the board 1-2 years back. It's hard to get a car without traction

I would bet it would be more likely related to '1'. I know insurance rates went down across the board 1-2 years back. It's hard to get a car without traction control and ABS now, which makes a huge difference. According to this study, vehicle stability control really does decrease crashes. http://www.ncbi.nlm.nih.gov/pmc/articles/PMC3217442/ http://www.ncbi.nlm.nih.gov/pmc/articles/PMC3217442/